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I want to have a car or motorcycle in the same way I have a helicopter or a boat: permanently, even if I am busted, wasted, drive it into the river, blow it up, total it, etc.

Is this possible? I know the garages don't do this.

Is it possible to change the "default" player cars?

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  • I generally only play multiplayer, though can't you insure it?
    – Brok3n
    Jul 14, 2014 at 6:17
  • Not that I'm aware of. I wouldn't know how to go about doing so even if it's possible.
    – blaineh
    Jul 14, 2014 at 6:48
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    As became clear in the answer, insurance is only available in multiplayer. As it stands, this is really a very annoying feature left in the game that I can't stand. What's the point in buying a $1,000,000 car if you're going to lose it at random when you die accidentally, or when a mission doesn't correctly respawn it? Dec 16, 2014 at 15:53

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You can purchase insurance for the vehicle. If it is destroyed or lost in some way, you can pay a certain fee and they will give you a new duplicate car that you must go pick up. The fee is on average 1% of the total car cost.

Source: http://gta.wikia.com/Mors_Mutual_Insurance

Mors Mutual Insurance cannot be used in Grand Theft Auto V, but gains a much larger role in Grand Theft Auto Online.

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    I think this is only true in multiplayer.
    – Cédric D
    Jul 15, 2014 at 9:33

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